UPAY, Inc.

UPAY, Inc.verified

UPYY

Price:

$0.89

Market Cap:

$14.77M

UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system (ACPAS) name to registered lenders in South Africa. It offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. The company also develops tailor-made web sites for customers; resells credit bureau products; and acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions, as well as offers custom software development and general administration staff services to customers. It serves customers with physic...[Read more]

Industry

Software - Application

IPO Date

2022-03-25

Stock Exchange

OTC

Ticker

UPYY

The ROE as of July 2025 (TTM) for UPAY, Inc. (UPYY) is 147.74%

According to UPAY, Inc.’s latest financial reports and current stock price. The company's current ROE is 147.74%. This represents a change of 268.32% compared to the average of 40.11% of the last 4 quarters.

UPAY, Inc. (UPYY) Historical ROE (quarterly & annually)

How has UPYY ROE performed in the past?

The mean historical ROE of UPAY, Inc. over the last ten years is 2.72%. The current 147.74% ROE has changed 5.34% with respect to the historical average. Over the past ten years (40 quarters), UPYY's ROE was at its highest in in the November 2023 quarter at 231.25%. The ROE was at its lowest in in the May 2021 quarter at -684.64%.

Quarterly (TTM)
Annual

Average

2.72%

Median

-3.24%

Minimum

-279.12%

Maximum

288.92%

UPAY, Inc. (UPYY) ROE by Quarter and Year

Discovering the peaks and valleys of UPAY, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 2.42%

Maximum Annual ROE = 288.92%

Minimum Annual Increase = -1035.96%

Minimum Annual ROE = -279.12%

Quarterly (TTM)
Annual
YearROEChange
2025115.19%-60.13%
2024288.92%714.66%
202335.47%-75.44%
2022144.39%-151.73%
2021-279.12%2.42%
2020-11.07%-45.18%
2019-20.20%-90.29%
2018-208.05%384.57%
2017-42.94%-1035.96%

UPAY, Inc. (UPYY) Average ROE

How has UPYY ROE performed in the past?

The current ROE of UPAY, Inc. (UPYY) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

146.52%

5-year avg

60.97%

10-year avg

2.72%

UPAY, Inc. (UPYY) ROE vs. Peers

How is UPYY’s ROE compared to its peers?

UPAY, Inc.’s ROE is greater than HeartCore Enterprises, Inc. (-63.12%), greater than Beamr Imaging Ltd. (-15.51%), less than AMTD Digital Inc. (2.92%), greater than CXApp Inc. (-115.48%), greater than SoundHound AI, Inc. (-68.55%),

CompanyROEMarket cap
-63.12%$10.29M
-15.51%$48.04M
2.92%$889.07M
-115.48%$20.71M
-68.55%$4.97B

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